Thistle - My Contents Insurance - Newport City Homes

Contents The policy covers your household goods and personal belongings whilst they are within your home, against unexpected loss or damage, for example by fire or theft. Full details can be found in the Policy Cover section of your policy – the key exclusions and limitations are set out below. We will not cover you for theft if your home is lent, let or sublet, unless force is used to get into or out of your home. • A limit of £250 applies in respect of Personal Money • A limit of £500 applies in respect of cover for each credit card • A limit of £2000 applies in respect of theft of your belongings from your outbuildings • A limit of £1000 applies in respect of legally downloaded audio/visual files of any kind to do with home entertainment equipment • Tenants improvements that you make as a tenant are covered up to £2000. Cover under section T, U, V, W & X will only Under the extended accidental damage extension (Section T) you are not covered for:- • Accidental damage caused by pets • Accidental damage to clothing. Under the Personal Possessions option (Section U) you are not covered for:- • Any one claim is limited to £1,000 per item • Loss or damage caused in any way connected to professional entertaining • Loss or damage to sports equipment whilst in use apply if you have paid the additional premium to include this section.

Under the Garden huts, garages and greenhouses option (Section V) you are not covered for:- • Loss or damage caused by domestic pets • Loss or damage while your home is unoccupied Under the Wheelchair & Hearing aid options (Section W&X) you are not covered for:- • Any amount over £1,000 for theft or attempted theft from any unattended vehicle • Loss or damage to accessories and batteries Loss or damage caused by • corrosion, repair or refurbishment • domestic pets • confiscation or detention by customs or other official bodies On what basis are claims settled? We will pay to replace property or belongings lost or destroyed and we will pay to repair damaged items. We will make a deduction for wear and tear for claims on clothes or household linen. We will pay for the damaged items that are part of a set or suite but we will not pay for the other pieces which are not damaged. This is not a maintenance contract. This means that wear and tear or anything that happens gradually, and electrical or mechanical breakdown is not covered. Unoccupancy The policy excludes certain loss or damage if no-one is living at the property for more than 60 days in a row. If this applies to you, you will not be covered for theft, malicious people or water leaking from pipes and heating installations.

Allianz Insurance plc. Registered in England number 84638. Registered Office: 57 Ladymead, Guildford, Surrey GU1 1DB, United Kingdom. Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Allianz Insurance plc is on the Financial Services Register, registration number 121849.